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Complete company report
Generated 11-08-2026
Active BE 0543.756.165Private limited company

CONCEPTS

· 12 yrs active
Sector: NACE 74130 (74130)
Conclusion Checked

The KBO register records legal situation 050 for CONCEPTS (Register: open bankruptcy); this is today's state according to the register itself, which carries no start date. The 2021 annual accounts show equity of €33k and a net result of €40k.

Based on the State Gazette, CBE and 4 annual accounts.
Key figures
Equity €33k
Net result €40k
Better than sector 70%
Active 12 yrs
Snowflake analysis 5 of 5 axes measured · computed by Checked
Health100Profitability100Solvency99Growth78Stability0
75 / 100

Exceptional profile, strong across almost every axis.

All 5 axes are computed from data Checked has read.

Health 100
Profitability 100
Solvency 99
Growth 78
Stability 0
Bankruptcy probability (12 mo) Checked model v1 · free

Bankruptcy opened

A bankruptcy procedure is already open, a probability score is no longer meaningful. See the insolvency timeline for the state of the procedure.

Risk Assessment rule-based
23 / 100
Moderate riskRegister: open bankruptcy
This score counts publications in the Belgian State Gazette only. The KBO register additionally records legal situation 050 for this company; it does not feed the figure above.
Components
· 2 historical bankruptcy publications (+20)
· 1 administrative flag (+3)
Trust signals 2 signals
Register: open bankruptcy
The KBO register records legal situation 050 for this company. This is today's state according to the register itself; the register carries no start date.
Prior bankruptcy
Earlier bankruptcy on record in the Belgian State Gazette, no current open procedure.
Administrative Flags 1 events
Address struck
Health barometer FY 2021 · computed
100 / 100 Excellent
050100
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

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Computed by Checked from the NBB filing for FY 2021. Indicative, not credit advice.
Financial overview8 NBB filings
Annual accounts filed on 25-08-2022 with the NBB · fiscal year 2021 · micro
€-50k€-25k€0€25k€50kOperating result 2018: €-5k€-5kNet result 2018: €-18k€-18kOperating result 2019: €-19k€-19kNet result 2019: €-39k€-39kOperating result 2020: €10k€10kNet result 2020: €-30k€-30kOperating result 2021: €44k€44kNet result 2021: €40k€40k2018201920202021
Operating resultNet result
Sector comparison
Fiscal year 2021 · NACE 74 · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency 61.2% 40.7%
better than 70% of 371 sector peers
Net result €40k €11k
better than 83% of 371 sector peers
Equity €33k €21k
better than 61% of 371 sector peers
Gross operating margin €53k €24k
better than 76% of 372 sector peers
Total assets €54k €63k
better than 44% of 372 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
EBITDA
€52k
+182.5% 18-21
Net profit
€40k
- 18-21
Cash flow
€48k
- 18-21
Total assets
€54k
+28.4% 18-21
Equity
€33k
- 18-21
Working capital
€28k
- 18-21
Employees (FTE)
0
-97.5% 18-21
Income taxes
€4k
- 18-21
Debt
€21k
-57.7% 18-21
Debt ≤ 1y
€21k
-55.2% 18-21
Debt > 1y
€0
-100.0% 18-21
Current ratio
2.36
+247.2% 18-21
Quick ratio
2.36
+297.4% 18-21
Solvency
61.2%
- 18-21
Debt / equity
0.63
- 18-21
ROE
122.6%
-69.8% 18-21
ROA
75.0%
- 18-21
Interest coverage
125.35
- 18-21
Figures by fiscal year
Fiscal year2021
Depositmicro
Revenue-
EBITDA€52k
Net profit€40k
Cash flow€48k
Staff costs-
Income taxes€4k
Dividends-
Total assets€54k
Equity€33k
Debt€21k
of which ≤ 1y€21k
of which > 1y€0
Working capital€28k
Employees (FTE)-
Ratios (computed)
2021
Current ratio2.36
Quick ratio2.36
Working capital ratio52.7%
Solvency61.2%
Debt / equity0.63
Long-term debt ratio0.00
Interest coverage125.35
Gross margin-
Net margin-
ROA75.0%
ROE122.6%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2021
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2021
Balance sheet, Assets
TOTAL ASSETS 20/58€54k
Fixed assets 21/28€5k
Tangible fixed assets 22/27€5k
Current assets 29/58€49k
Stocks & contracts in progress 3€0
Amounts receivable within one year 40/41€31k
Cash & bank 54/58€17k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€54k
Equity 10/15€33k
Contributions / capital 10/11€12k
Reserves 13€20k
Accumulated profits (losses) 14€0
Amounts payable 17/49€21k
Amounts payable after one year 17€0
Amounts payable within one year 42/48€21k
Trade debts payable within one year 44€6k
Income statement
Gross operating margin 9900€53k
Operating result 9901€44k
Financial charges 65€416
Result before taxes 9903€44k
Income taxes 67/77€4k
Net result for the period 9904€40k
Result to be appropriated 9905€40k
You're seeing the latest fiscal year only. Unlock 3 prior years (figures + ratios) with a paid plan. See plans →
Ratios computed by Checked.
Directors & mandates 2 directors
Current directors & mandates
  • HOOGLAND Claudia
    Director
    State Gazette act 23305054 (16-01-2023)
    Current
    16-01-2023 → present
Former directors (1)
  • DESCHEPPER TOM
    Director
    State Gazette act 23305054 (16-01-2023)
    Former
    - → 16-01-2023
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.This list is read straight from this company's published acts, not from the officer register.
Directors & mandates1 person
Role Name Tenure Source
Curator RONNY CEUSTERS
GEMEENTESTRAAT 4 BUS 6, 2300 TURNHOUT
 28-01-2025 → present Belgian State Gazette
Legal Structure
NACE primary 74130
Legal form Private limited company(610)
Incorporation20-12-2013
StatusActive
Postal code-
First BS signal 05-02-2025
Latest BS signal 22-05-2026
Company structure, linked entities1 linked entities
CONCEPTSBE 0543.756.165RONNY CEUSTERSReceiver
Mandates
Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
13453O0314/00A000 Flanders 2,736 m² 1 · 1,244 m² 15.0 m · 4 fl.
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates 14 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2026
22-05-2026
Bankruptcy Bankruptcy closure (insufficient assets)
Ondernemingsrechtbank Antwerpen, afdeling Turnhout · CONCEPTS BV PARKLAAN 46, 2300 TURNHOUT · event 19-05-2026
2025
05-02-2025
Bankruptcy Opening
Ondernemingsrechtbank Antwerpen, afdeling Turnhout · CONCEPTS BV PARKLAAN 46, 2300 TURNHOUT · event 28-01-2025
17-01-2025
KBO administration Address struck
Parklaan 46 2300 Die Sitzadresse Parklaan 46 2300 Turnhout hout · event 10-10-2024
2023
06-09-2023
State Gazette act Registered-office change
16-01-2023
State Gazette act Director changes
Anne-Marie Szabó
2022
25-08-2022
NBB filing Annual accounts filed
fiscal year 2021 · micro
2021
20-08-2021
NBB filing Annual accounts filed
fiscal year 2020 · micro
2020
08-06-2020
NBB filing Annual accounts filed
fiscal year 2019 · micro
2019
30-07-2019
NBB filing Annual accounts filed
fiscal year 2018 · micro
2018
16-07-2018
NBB filing Annual accounts filed
fiscal year 2017 · micro
2017
30-06-2017
NBB filing Annual accounts filed
fiscal year 2016 · micro
2016
05-07-2016
NBB filing Annual accounts filed
fiscal year 2015 · verkort
2015
31-08-2015
NBB filing Annual accounts filed
fiscal year 2014 · verkort
Lifecycle & Insolvency Signals 3 events
22-05-2026
Bankruptcy Bankruptcy closure (insufficient assets)
Date: 19-05-2026 · Ondernemingsrechtbank Antwerpen, afdeling Turnhout · CONCEPTS BV PARKLAAN 46, 2300 TURNHOUT · Publications in State Gazette ↗
05-02-2025
Bankruptcy Opening
Date: 28-01-2025 · Ondernemingsrechtbank Antwerpen, afdeling Turnhout · CONCEPTS BV PARKLAAN 46, 2300 TURNHOUT · Publications in State Gazette ↗
17-01-2025
KBO administration Address struck
Date: 10-10-2024 · Parklaan 46 2300 Die Sitzadresse Parklaan 46 2300 Turnhout hout · Publications in State Gazette ↗
Time machine, BS events + macro context 2021, 2026
COVID lockdownEnergiecrisisECB hikes2021202220232024202520262025-01-17 · KBO administration · Address struck2025-02-05 · Bankruptcy · Opening2026-05-22 · Bankruptcy · Bankruptcy closure (insufficient assets)
Macro context
2020-Q2/Q3 COVID lockdown
2022 energy crisis
2023-2024 ECB rate hikes
Legend
Bankruptcy
Interim / reorg
KBO event
Belgisch Staatsblad, acts 2 acts
Address history · 1
06-09-2023
Registered-office move
All acts · 2 updated 2 years ago
2023
06-09-2023 Registered office moved from Antwerpen to Turnhout Registered-office change
  • Middelmolenlaan 175 te Antwerpen 2100 → Parklaan 64 te Turnhout 2300
Technical details 
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  "events": [
    {
      "kind": "zetel_transfer",
      "seat_type": "siege_social",
      "new_address": {
        "raw": "Parklaan 64 te Turnhout 2300",
        "city": "Turnhout",
        "region": "vlaams_gewest",
        "street": "Parklaan",
        "country": "BE",
        "postcode": "2300",
        "box_number": null,
        "street_number": "64",
        "locality_suffix": null
      },
      "old_address": {
        "raw": "Middelmolenlaan 175 te Antwerpen 2100",
        "city": "Antwerpen",
        "region": "vlaams_gewest",
        "street": "Middelmolenlaan",
        "country": "BE",
        "postcode": "2100",
        "box_number": null,
        "street_number": "175",
        "locality_suffix": null
      },
      "effective_date": "2023-07-05",
      "evidence_quote": "",
      "region_changed": false,
      "is_statute_change": true,
      "nationality_change": false,
      "old_address_source": "act_body",
      "statute_clause_text": null,
      "statute_article_number": null,
      "effective_date_qualifier": "absolute",
      "statutaire_vs_werkelijke": "statutaire",
      "linguistic_region_changed": false,
      "court_jurisdiction_changed": false,
      "effective_date_is_approximate": false
    }
  ],
  "notary": {
    "name": null,
    "firm_city": null,
    "firm_name": null,
    "office_city": null,
    "is_associated": false
  },
  "act_meta": {
    "language": "nl",
    "pub_date": null,
    "filing_date": "2023-08-24",
    "act_kind_objet": "Onderwerp akte:"
  },
  "decision": {
    "body": "bijzondere_algemene_vergadering",
    "date": "2023-07-03",
    "unanimous": null
  },
  "subject_company": {
    "kbo": "0543.756.165",
    "name_full": "CONGEPTS",
    "legal_form": "BV",
    "_kbo_filled_from_list": true
  },
  "publication_proxy": {
    "kind": "org",
    "org_kbo": null,
    "org_name": "ACERTA Ondernemingsloket VZW",
    "person_name": null,
    "org_rep_person_name": "Iris Carsau",
    "person_role_at_subject": null
  },
  "co_filed_documents": [
    "Bijlagen bij het Belgisch Staatsblad"
  ]
}
16-01-2023 1 director appointed, 1 resigning Director changes·Anne-Marie Szabó
  • HOOGLAND Claudia, Bestuurder
  • DESCHEPPER TOM, Bestuurder
Notary: Anne-Marie Szabó · TurnhoutFirm: Pact notarissen
Technical details 
{
  "events": [
    {
      "kind": "director_in",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "HOOGLAND Claudia",
        "address": "2900 Schoten, Kasteeldreef 22",
        "birth_date": null,
        "profession": null,
        "birth_place": null
      },
      "reason": null,
      "subkind": null,
      "via_org": null,
      "statutory": null,
      "compensated": false,
      "effective_date": null,
      "evidence_quote": "",
      "decharge_status": null,
      "mandate_duration": {
        "kind": "indefinite",
        "value": null
      },
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": null
    },
    {
      "kind": "director_out",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "DESCHEPPER TOM",
        "address": "2900 Schoten, Kasteeldreef 22",
        "birth_date": null,
        "profession": null,
        "birth_place": null
      },
      "reason": null,
      "subkind": null,
      "via_org": null,
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      "compensated": null,
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      "evidence_quote": "",
      "decharge_status": "pending_next_agm",
      "mandate_duration": null,
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": null
    },
    {
      "kind": "board_snapshot",
      "role": null,
      "person": null,
      "reason": null,
      "subkind": null,
      "via_org": null,
      "statutory": null,
      "compensated": null,
      "effective_date": null,
      "evidence_quote": "",
      "decharge_status": null,
      "mandate_duration": null,
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": null
    }
  ],
  "notary": {
    "name": "Anne-Marie Szab\u00F3",
    "firm_city": null,
    "firm_name": "Pact notarissen",
    "office_city": "Turnhout",
    "is_associated": true
  },
  "act_meta": {
    "language": "nl",
    "pub_date": "2023-01-16",
    "filing_date": "2023-01-12",
    "act_kind_objet": "Onderwerp akte:"
  },
  "decisions": [
    {
      "body": "algemene_vergadering",
      "date": "2023-01-11",
      "unanimous": null
    },
    {
      "body": "algemene_vergadering",
      "date": "2023-01-11",
      "unanimous": null
    },
    {
      "body": "algemene_vergadering",
      "date": "2023-01-11",
      "unanimous": null
    },
    {
      "body": "algemene_vergadering",
      "date": "2023-01-11",
      "unanimous": null
    },
    {
      "body": "algemene_vergadering",
      "date": "2023-01-11",
      "unanimous": null
    },
    {
      "body": "algemene_vergadering",
      "date": "2023-01-11",
      "unanimous": null
    },
    {
      "body": "algemene_vergadering",
      "date": "2023-01-11",
      "unanimous": null
    },
    {
      "body": "algemene_vergadering",
      "date": "2023-01-11",
      "unanimous": null
    }
  ],
  "is_correction": false,
  "subject_company": {
    "kbo": "0543.756.165",
    "name_full": "CONCEPTS",
    "legal_form": "BV"
  },
  "publication_proxy": {
    "kind": "person",
    "org_kbo": null,
    "org_name": null,
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    "org_rep_person_name": null,
    "person_role_at_subject": null
  },
  "co_filed_documents": [
    "volledig afschrift",
    "geco\u00F6rdineerde statuten",
    "verslag van het bestuursorgaan"
  ],
  "corrected_publication_numac": null
}
Credit advice verdict per customer and amount

Should this customer buy amount X on invoice? Enter the amount and payment terms, you get an instant GREEN/AMBER/RED verdict, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
AI due-diligence brief Checked AI

Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.

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The brief is drafted by our AI model at Anthropic in the US, from this dossier's public data. Nothing that identifies you is sent along and we do not keep the brief. Indicative, not legal or investment advice. How it works
Company registry (CBE) Crossroads Bank
Activities
Activiteiten van interieurdecorateurs74104Interieurontwerp74130Schrijnwerk43320Schrijnwerk43320
Primary activity highlighted.
Names & trade names
Legal nameNL CONCEPTS
Registration history
  1. 10-10-2024 Address struck
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
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Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative